Health insurance Lucerne: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Lucerne costs CHF 346.30 per month in 2027 (Atupri, HMO, deductible 2'500, in premium region 1). Benefits are set by law and identical at every insurer, you only pay a different price.
The 10 cheapest health insurers in the canton of Lucerne 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, in premium region 1. The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | AtupriHMO · HMO | CHF 346.30 | +7.1% |
| 2 | SanitasFamily doctor · Hausarztmodell 1 | CHF 349.70 | +4.9% |
| 3 | HelsanaFamily doctor · Helsana BeneFit PLUS Hausarzt R1 | CHF 357.20 | +3.9% |
| 4 | ConcordiaHMO · HMO | CHF 358.40 | +3.1% |
| 5 | Vivao SympanyHMO · casamed hmo | CHF 360.70 | +7.0% |
| 6 | AssuraTelmed · MediTel | CHF 366.90 | new |
| 7 | AvenirTelmed · SanaTel (Telemedizin) | CHF 367.30 | +5.7% |
| 8 | KK Luzerner HinterlandTelmed · Telmed | CHF 367.65 | +6.9% |
| 9 | SwicaHMO · Favorit Santé | CHF 369.60 | +0.3% |
| 10 | ÖKKHMO · ÖKK CASAMED HMO | CHF 374.20 | +6.0% |
Standard model with free choice of doctor
If you want no restriction on your choice of doctor: the cheapest insurers in the standard model, deductible CHF 300, in premium region 1.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | KK Luzerner Hinterland | CHF 527.65 | +5.0% |
| 2 | Atupri | CHF 546.10 | +4.0% |
| 3 | Sanitas | CHF 549.40 | +3.5% |
| 4 | Vivao Sympany | CHF 562.00 | +5.0% |
| 5 | Sumiswalder | CHF 564.80 | +3.0% |
| 6 | Concordia | CHF 569.20 | +2.2% |
| 7 | ÖKK | CHF 571.00 | +4.4% |
| 8 | EGK | CHF 577.70 | +3.0% |
| 9 | Helsana | CHF 578.00 | +2.8% |
| 10 | Agrisano | CHF 578.50 | +5.5% |
Premium regions in the canton of Lucerne
The canton is divided into 3 premium regions. The tables above apply to premium region 1. In the other regions, the cheapest insurer is:
- premium region 2: Concordia (HMO), CHF 330.10 per month
- premium region 3: KK Luzerner Hinterland (Telmed), CHF 312.20 per month
Municipalities in premium region 1 (5)
Ebikon, Emmen, Horw, Kriens, Luzern
Municipalities in premium region 2 (19)
Adligenswil, Buchrain, Dierikon, Eich, Malters, Meggen, Meierskappel, Neuenkirch, Nottwil, Oberkirch, Root, Rothenburg, Ruswil, Schenkon, Sempach, Sursee, Udligenswil, Werthenstein, Wolhusen
Municipalities in premium region 3 (55)
Aesch (LU), Alberswil, Altbüron, Altishofen, Ballwil, Beromünster, Buttisholz, Büron, Dagmersellen, Doppleschwand, Egolzwil, Entlebuch, Ermensee, Eschenbach (LU), Escholzmatt-Marbach, Ettiswil, Fischbach, Flühli, Geuensee, Gisikon, Greppen, Grossdietwil, Grosswangen, Hasle (LU), Hergiswil bei Willisau, Hildisrieden, Hitzkirch, Hochdorf, Hohenrain, Inwil, Knutwil, Luthern, Mauensee, Menznau, Nebikon, Pfaffnau, Rain, Reiden, Rickenbach (LU), Roggliswil, Romoos, Römerswil, Schlierbach, Schongau, Schwarzenberg, Schötz, Schüpfheim, Triengen, Ufhusen, Vitznau, Wauwil, Weggis, Wikon, Willisau, Zell (LU)
Consistently cheap in the canton of Lucerne
Not just cheap this year, but over the years: the five insurers with the best score in the Price Consistency Rating, calculated for the canton’s main region. The last column shows in how many years since 2020 the insurer was among the 5 cheapest here (deductible 2'500).
| Insurer | Score | Years among the 5 cheapest |
|---|---|---|
| Concordia | 9.4 | 3 of 8 |
| KK Luzerner HinterlandRegional insurer | 8.7 | 4 of 8 |
| Sanitas | 8.2 | 4 of 8 |
| Vivao Sympany | 8.2 | 4 of 8 |
| Atupri | 7.8 | 6 of 8 |
Concordia is the most price-consistent health insurer in the canton of Lucerne in 2027.
Cheapest last year, and now?
The cheapest tariff of 2026 in each premium region of the canton and what the same tariff costs in 2027. Adults, deductible 2'500, without accident cover, per month. If you switched to the cheapest insurer last year, compare again this year.
| Region | Cheapest 2026 | 2026 | 2027 | Change | Rank 2027 |
|---|---|---|---|---|---|
| Region 1 | AtupriHMO · HMO | CHF 307.10 | CHF 329.00 | +7.1%Market +6.7% | 2 of 25 |
| Region 2 | CSSFamily doctor · Gesundheitspraxisversicherung | CHF 291.50 | CHF 318.70 | +9.3%Market +6.3% | 8 of 25 |
| Region 3 | KK Luzerner HinterlandTelmed · Telmed | CHF 279.45 | CHF 293.45 | +5.0%Market +7.0% | 1 of 25 |
How much each insurer raises premiums in the canton of Lucerne
Change in the standard premium from 2026 to 2027, deductible 300, adults, average across premium regions. The smallest increase is at the top. Canton average: +4.6%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| Helsana | CHF 557 | +1.6% |
| vita surselva | CHF 549 | +1.9% |
| Concordia | CHF 542 | +2.4% |
| Swica | CHF 565 | +2.5% |
| Galenos | CHF 576 | +2.5% |
| EGK | CHF 544 | +3.0% |
| Sumiswalder | CHF 530 | +3.0% |
| Atupri | CHF 530 | +3.8% |
| ÖKK | CHF 545 | +3.9% |
| KPT | CHF 565 | +4.0% |
| rhenusana | CHF 574 | +4.0% |
| Avenir | CHF 563 | +4.2% |
| Sanitas | CHF 533 | +4.2% |
| KK Luzerner Hinterland | CHF 495 | +4.3% |
| Aquilana | CHF 568 | +4.5% |
| Einsiedler Krankenkasse | CHF 557 | +4.6% |
| Assura | CHF 550 | +5.2% |
| SLKK | CHF 563 | +5.4% |
| Agrisano | CHF 536 | +5.5% |
| sana24 | CHF 581 | +6.7% |
| Mutuel | CHF 655 | +6.8% |
| CSS | CHF 571 | +7.1% |
| Vivao Sympany | CHF 550 | +7.1% |
| Visana | CHF 622 | +7.2% |
| Philos | CHF 612 | +7.9% |
Frequently asked questions
Which health insurer is cheapest in the canton of Lucerne in 2027?
For adults with a 2'500 deductible and accident cover, Atupri (HMO) is the cheapest at CHF 346.30 per month, in premium region 1. In the standard model with a 300 deductible it is KK Luzerner Hinterland at CHF 527.65.
How much are health insurance premiums rising in 2027 in the canton of Lucerne?
The standard premium for adults with a 300 deductible rises by +4.6% on average in the canton of Lucerne, weighted by each insurer’s number of insured persons. Across Switzerland, the average premium rises by 5.0% according to the FOPH.
When is the deadline to switch health insurer for 2027?
Your cancellation of basic insurance must reach your insurer by 30 November 2026. The new insurer must accept you without health questions, and the switch takes effect on 1 January 2027.
Source: Federal Office of Public Health (FOPH), premiums 2027 and 2026 (opendata.swiss). No liability for accuracy. How we calculate: methodology. All cantons: overview.